Bank of America vs Citi
Both Bank of America CASHBACK and Citi CASHBACK offer identical terms: 17.49% APR, $0 minimum balance, $0 monthly fee, and FDIC protection. Since the core features and rates are the same, the choice depends on your existing banking relationships and customer service preferences.
Option A
Bank of America
17.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Open with Bank of America →Option B
Citi
- Min
- $0
- Fee
- $0/mo
Best for: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back
Open with Citi →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 8/23/2026.